Cautious globally diversified mix with strong value tilt and room to fine tune risk efficiency

Report created on Mar 24, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The portfolio is built around a 48% core position in a broad US large‑cap equity ETF, paired with 28% in a mix of Treasury, short‑term, and inflation‑protected bond funds. Smaller slices go to developed and emerging markets stock ETFs, small‑cap value tilts, gold, and a 2% allocation to bitcoin. This structure combines growth assets, stabilizers, and a couple of “spice” positions. Having a clear core supported by diversifiers is important because it anchors long‑term behavior while still allowing for tactical tilts. Overall, this looks like a cautious growth setup: plenty of equity for long‑term appreciation, but enough high‑quality fixed income and diversifiers to soften the ride.

Growth Info

From early 2024 to March 2026, the sample portfolio grew a hypothetical $1,000 to about $1,332, for a compound annual growth rate (CAGR) of 13.73%. CAGR is like your average speed on a long road trip, smoothing out bumps along the way. The max drawdown of -12.53% shows the worst peak‑to‑trough drop over the period, noticeably milder than the US and global markets, which fell around -17% to -19% at worst. However, those markets also returned more, with CAGRs near 17%. So the portfolio has traded a bit of return for noticeably smaller drawdowns, which is a very reasonable tradeoff for a cautious risk profile.

Projection Info

The Monte Carlo projection uses the portfolio’s historical risk and return pattern to simulate 1,000 possible 10‑year paths for a $1,000 investment. Think of it as “replaying history” with the ups and downs scrambled to see a range of outcomes, not a single prediction. The median case ends around +554%, with even the 5th percentile just above doubling. That’s very optimistic, and important caveats apply: the backtest period is short, recent returns were strong, and markets rarely behave in straight lines. Past data can guide expectations, but it cannot guarantee future outcomes, especially over a full decade that will include new economic and policy regimes.

Asset classes Info

  • Stocks
    65%
  • Bonds
    28%
  • Other
    3%
  • Cash
    2%
  • Crypto
    2%

Asset‑class‑wise, about 65% is in stocks, 28% in bonds, 3% in “other” (like gold), 2% cash, and 2% crypto. For a cautious profile, this equity/bond mix is on the growth‑leaning side but still clearly more conservative than an all‑equity setup. The bond allocation is nicely spread across short‑term, long‑term, and inflation‑linked Treasuries, which is helpful because different bond types behave differently when rates move. This combination can damp volatility without completely sacrificing yield. The presence of gold and cash adds further ballast. Overall, this is a well‑balanced allocation that sensibly blends growth and capital‑preservation roles.

Sectors Info

  • Technology
    18%
  • Financials
    9%
  • Consumer Discretionary
    7%
  • Industrials
    7%
  • Telecommunications
    6%
  • Health Care
    6%
  • Consumer Staples
    3%
  • Energy
    3%
  • Basic Materials
    2%
  • Crypto
    2%
  • Utilities
    2%
  • Real Estate
    1%

Sector exposure is broad: technology leads at 18%, followed by financials, consumer cyclicals, industrials, communication services, healthcare, and meaningful slices of defensive areas like consumer staples, utilities, and energy. This pattern is reasonably close to broad‑market norms, which is a strong indicator of diversification and helps avoid over‑reliance on any single industry story. A tech‑tilt via the S&P 500 and NASDAQ 100 does mean sensitivity to interest rates and growth expectations, but the allocations to healthcare, defensives, and real assets like gold help provide a counterweight. This sector composition matches benchmark data quite well, supporting balanced long‑term behavior.

Regions Info

  • North America
    55%
  • Europe Developed
    3%
  • Japan
    2%
  • Asia Emerging
    2%
  • Asia Developed
    1%

Geographically, about 55% sits in North America, with modest allocations to developed Europe, Japan, and emerging Asia. This is notably more home‑biased to the US than global‑market indices, which typically hold closer to 60% US and more abroad, but the gap isn’t extreme. A US tilt has been beneficial over the last decade, but it does mean outcomes are tied heavily to US economic and policy conditions. The developed and emerging markets ETFs, plus international small‑cap value, help broaden the opportunity set and reduce single‑country dependency, though they are still secondary players. For more global balance, increasing non‑US exposure would be the lever.

Market capitalization Info

  • Mega-cap
    26%
  • Large-cap
    19%
  • Mid-cap
    11%
  • Small-cap
    5%
  • Micro-cap
    3%

Market‑cap allocation skews toward mega and large companies, with 26% in mega‑caps and 19% in big caps, then tapering down to medium, small, and a small share in micro‑caps. Large companies tend to be more stable and liquid, and they dominate major indices, so this alignment is quite standard and supportive of a cautious risk score. The added small‑cap value slices in the US and international buckets bring some exposure to smaller, cheaper companies that have historically offered higher long‑run returns but bumpier rides. That mix—core in large caps with a satellite in small value—creates a thoughtful balance of stability and return potential.

True holdings Info

  • NVIDIA Corporation
    3.60%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard FTSE Developed Markets Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Apple Inc
    3.26%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard FTSE Developed Markets Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Microsoft Corporation
    2.44%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard FTSE Developed Markets Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Amazon.com Inc
    1.71%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard FTSE Developed Markets Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class A
    1.51%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard FTSE Developed Markets Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Broadcom Inc
    1.26%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard Dividend Appreciation Index Fund ETF Shares
    • Vanguard FTSE Developed Markets Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Alphabet Inc Class C
    1.21%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard FTSE Developed Markets Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Meta Platforms Inc.
    1.19%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • Schwab U.S. Broad Market ETF
    • Vanguard FTSE Developed Markets Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Tesla Inc
    0.96%
    Part of fund(s):
    • Invesco NASDAQ 100 ETF
    • LS 1x Tesla Tracker ETP Securities GBP
    • Schwab U.S. Broad Market ETF
    • Vanguard FTSE Developed Markets Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Berkshire Hathaway Inc
    0.75%
    Part of fund(s):
    • Schwab U.S. Broad Market ETF
    • Vanguard FTSE Developed Markets Index Fund ETF Shares
    • Vanguard S&P 500 ETF
  • Top 10 total 17.90%

Looking through the ETFs, the top underlying names are familiar mega‑caps like NVIDIA, Apple, Microsoft, Amazon, Alphabet, Broadcom, Meta, Tesla, and Berkshire. Many of these appear via multiple funds, especially the S&P 500 and NASDAQ 100 exposure, so actual concentration is higher than it first looks. This kind of overlap is normal in diversified index‑based portfolios, but it does mean the portfolio’s fortunes are tied fairly closely to a group of large US growth companies. The good news is these are globally dominant businesses; the tradeoff is that weakness in this cluster will show up across several holdings at once.

Factors Info

Value
Preference for undervalued stocks
Very high
Data availability: 22%
Size
Exposure to smaller companies
Very high
Data availability: 13%
Momentum
Exposure to recently outperforming stocks
Neutral
Data availability: 100%
Quality
Preference for financially healthy companies
No data
Data availability: 0%
Yield
Preference for dividend-paying stocks
No data
Data availability: 0%
Low Volatility
Preference for stable, lower-risk stocks
High
Data availability: 96%

Factor exposure shows strong tilts toward value, size (meaning smaller companies), and low volatility. Factors are like the underlying “personality traits” of investments—value favors cheaper stocks, size leans to smaller companies, momentum follows recent winners, low volatility prefers steadier names. Here, the portfolio downplays pure momentum and emphasizes value and smaller firms, which have historically done well over very long periods but can lag for stretches when growth or mega‑caps dominate. The low‑volatility tilt helps smooth those swings. Combining these traits with a broad market core can lead to a portfolio that behaves differently from the benchmark, sometimes underperforming in hot growth markets but holding up better in choppier phases.

Risk contribution Info

  • Vanguard S&P 500 ETF
    Weight: 48.00%
    68.0%
  • Avantis® U.S. Small Cap Value ETF
    Weight: 6.00%
    9.9%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares
    Weight: 5.00%
    6.0%
  • Fidelity Wise Origin Bitcoin Trust
    Weight: 2.00%
    4.7%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares
    Weight: 3.00%
    3.4%
  • Top 5 risk contribution 92.0%

Risk contribution shows how much each holding actually drives the portfolio’s ups and downs, which can differ from its weight. The 48% S&P 500 position contributes about 68% of total risk, making it the main driver of performance. The US small‑cap value fund, at 6% weight, adds roughly 10% of risk, and the international developed ETF, at 5%, adds about 6%. Bitcoin is only 2% of the portfolio but contributes nearly 5% of risk, illustrating how a small but volatile holding can punch above its weight. If the goal is a steadier profile, trimming concentrated risk sources or balancing them with more stabilizers can help.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Invesco NASDAQ 100 ETF
    High correlation

Correlation describes how assets move relative to each other. Highly correlated holdings tend to rise and fall together, reducing the benefit of diversification when markets get rough. In this portfolio, the S&P 500 and NASDAQ 100 ETFs are tightly correlated, so they effectively amplify the same US large‑cap growth exposure. That’s not necessarily a problem—these are strong, liquid building blocks—but it does mean risk is more clustered than the number of line items suggests. The presence of Treasuries, TIPS, gold, and a modest crypto stake provides some lower‑correlated behavior, especially during equity selloffs, though bonds’ diversification power can vary when interest rates shift quickly.

Risk vs. return

This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.

Click on the colored dots to explore allocations.

On the risk‑return chart, the current portfolio has an expected return of 13.78% with volatility around 10.66%, giving a Sharpe ratio (return per unit of risk) of 1.11. The efficient frontier shows that, using the same ingredients but different weights, an even better tradeoff is mathematically possible. The model’s “optimal” and minimum‑variance portfolios show extremely high Sharpe ratios at very low risk, which likely reflects quirks of the short data window rather than realistic expectations. Still, the fact that the current allocation sits below the frontier means that modest reweighting—especially around the very dominant S&P 500 allocation and correlated US growth exposure—could improve efficiency without adding new funds.

Dividends Info

  • Avantis® International Small Cap Value ETF 3.10%
  • Avantis® U.S. Small Cap Value ETF 1.70%
  • iShares U.S. Treasury Bond ETF 3.50%
  • Invesco NASDAQ 100 ETF 0.50%
  • iShares Trust 4.00%
  • iShares 1-3 Year Treasury Bond ETF 3.80%
  • iShares 0-5 Year TIPS Bond ETF 3.90%
  • iShares 20+ Year Treasury Bond ETF 4.50%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 2.90%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 2.13%

The overall yield sits around 2.13%, combining modest equity dividends with interest from bond funds. Individual bond ETFs yield in the 3.5–4.5% range, while the stock funds are mostly in the 1–3% band, which is typical for broad equity exposure with some value tilt. For a cautious investor, this income stream can be a useful component of total return, especially if withdrawals are needed, but it’s not an income‑focused setup. The key is that dividends and bond interest provide a buffer when price returns are muted, though they can fluctuate with interest rates and payout policies. Yield alone shouldn’t drive decisions; overall risk and tax situation matter as much.

Ongoing product costs Info

  • Avantis® International Small Cap Value ETF 0.36%
  • Avantis® U.S. Small Cap Value ETF 0.25%
  • Fidelity Wise Origin Bitcoin Trust 0.25%
  • SPDR Gold Mini Shares 0.10%
  • iShares U.S. Treasury Bond ETF 0.05%
  • Invesco NASDAQ 100 ETF 0.15%
  • iShares Trust 0.07%
  • iShares 1-3 Year Treasury Bond ETF 0.15%
  • iShares 0-5 Year TIPS Bond ETF 0.03%
  • iShares 20+ Year Treasury Bond ETF 0.15%
  • Vanguard FTSE Developed Markets Index Fund ETF Shares 0.05%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard FTSE Emerging Markets Index Fund ETF Shares 0.08%
  • Weighted costs total (per year) 0.08%

The total ongoing cost (TER) of roughly 0.08% is impressively low for a portfolio with this level of diversification and factor tilts. Most core ETFs here sit in the ultra‑low fee range, with only the specialized Avantis factor funds and bitcoin trust carrying slightly higher—but still very reasonable—charges. Costs act like friction on a portfolio: every 0.1% saved annually compounds meaningfully over decades. Being this close to rock‑bottom expenses supports better long‑term performance and keeps more of the gross return in your pocket. From a cost perspective, this lineup is already in excellent shape and aligns strongly with best practices in low‑cost investing.

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